JP4795068B2 - Method and apparatus for suppressing display of fraud warning message - Google Patents

Description

The present invention relates to a transfer system, and more particularly, to a method and apparatus for suppressing display of a warning message for a transfer fraud.

  Wire fraud is a social problem. "Transfer fraud" is a general term for oleore fraud, fictitious bill fraud, and loan deposit fraud. With my scam, for example, saying “I am, I am” on the phone, I misunderstood it as a call from a spouse, child, grandchild, etc. It is a scam that tricks people into believing and deceiving cash by depositing money into a bank account. A fictitious billing fraud is, for example, sending cash to a deposit account, etc. by sending documents, etc. that charge charges based on fictitious facts to an unspecified number of people using the postal mail, the Internet, etc. It is a scam that tricks people by transferring money. In addition, a loan scam is a cash deposit account in the name of the deposit, etc. for those who have applied for a loan, for example by sending a document to the effect of not providing a loan. It is a fraud case that tricks people by transferring money. In either case, the other party is upset and panicked, and then a transfer to a deposit account or the like is requested.

In order to monitor such unauthorized use of a deposit account, for example, for account transactions performed in a monitoring area, account information for identifying a trading account and area information for identifying a monitoring area in which the transaction is performed. When the fraud information exists for a trading account, the fraud information is obtained by referring to a database in which fraud information is recorded in association with each account, and the presence or absence of fraud information is determined for the trading account identified by the acquired account information. If the determination is made, the monitoring camera in charge of the monitoring area identified by the area information is determined, the monitoring camera specifying information for specifying the determined monitoring camera, the counter for specifying the shooting section by the monitoring camera, and the shooting time, It has been proposed that the section identification information is stored in a storage device in association with it (see, for example, Patent Document 1).
JP 2004-104572 A

  However, the above-described conventional technology has a problem that it is not possible to prevent transfer to a deposit account that has been illegally used.

  On the other hand, financial institutions such as banks and credit unions, in order to prevent such transfer fraud, when the customer requests a transfer using ATM, "Please pay attention to the transfer fraud" on the ATM transfer confirmation screen Is displayed. However, when a message such as the one of the transfer request is displayed, the customer gets used to this message and does not pay much attention, and there is a problem that the alerting effect of the message is diminished.

  An object of the present invention is to output a warning message for a transfer fraud only when there is a high possibility of a transfer fraud based on the details of the transfer request and the transfer history of the transfer source account.

In order to solve the above-mentioned problem, a first aspect of the present invention is a method for suppressing the display of a transfer fraud alert message, which is accepted when the computer receives information specifying a transfer request, a transfer source, and a transfer destination. Refers to the transfer record database that records the transfer destination and transfer date and time from the transfer source, obtains the final transfer date and time other than the accepted transfer destination, and the received transfer request is other than the accepted transfer destination It is determined whether it is within a predetermined time from the last transfer date and time, and if it is determined that the transfer is not within the predetermined time from the last transfer date and time to other than the accepted transfer destination, a transfer fraud warning message is displayed If it is determined that the transfer is within a predetermined time, an instruction is issued to make a transition to a process that does not display a transfer fraud alert message.

Moreover, in order to solve the said subject, the 2nd aspect of this invention is a display suppression apparatus of a transfer fraud alert message, Comprising: The reception part which receives the information which specifies a transfer request, a transfer origin, and a transfer destination, The transfer record database in which the transfer destination from the transfer source and the transfer date / time are recorded in association with each other, and the acquisition unit that refers to the transfer record database and acquires the final transfer date / time other than the transfer destination received by the reception unit A determination unit that determines whether the transfer request received by the reception unit is within a predetermined time from a final transfer date and time other than the transfer destination received by the acquisition unit, and the determination unit transfers When it is determined that the transfer is not within the predetermined time from the date and time of the final transfer to other than the destination, to the process of displaying a transfer fraud alert message, the determination unit is the transfer within the predetermined time To the process that does not display the fraud alert message billing is when the cross-sectional, and has a display instruction unit for instructing that a transition.

  Only when there is a high possibility that the transfer is related to a transfer fraud, the alert message for the transfer fraud is displayed, so that the alerting effect can be enhanced.

  Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.

  The present invention has made a transfer to the same bank account before the transfer related to the transfer request, and if a long time has passed, the transfer related to the transfer request may be due to a transfer fraud Based on the inventor's insight that is not high. Also, even if you have not made a transfer to the same bank account, if the transfer amount is fractional, it may be due to product purchases, and the transfer related to the transfer request may be due to a transfer fraud This is based on the insight that if the transfer amount is small, it is not likely to be a transfer fraud. Furthermore, the feature of wire fraud is that the victim must be transferred quickly, and the transfer is executed before the spouse, child, grandchild, etc., who are said to have caused the problem. Because it is a sudden and urgent transfer for the victim, the insight that it is not likely to be due to a transfer fraud when multiple transfers are made in succession It is based on.

  FIG. 1 is a diagram showing a wire fraud alert system 1 and financial systems 60 and 70 of other financial institutions connected via a financial settlement network 50 according to an embodiment of the present invention. The transfer fraud alerting system 1 is a financial institution system of its own financial institution, and includes a server system 10, a headquarters system terminal or a branch office terminal 30, and an ATM (automated teller machine) 40. It is connected by its own financial institution network 20.

  The server system 10 includes a transfer unit 11, a transfer recording unit 12, a transfer fraud possibility determination unit 13, and a transfer confirmation display unit 14. The server system 10 is further connected to an account DB 15, a transfer record DB 16, a safety factor DB 17, and an upper limit amount DB 18.

  In response to a transfer request from the customer, the transfer means 11 executes a transfer process for the transfer amount specified in the transfer destination specified by the customer. The transfer recording unit 12 records the transfer history processed by the transfer unit in the transfer record DB 16. The transfer fraud possibility determination means 13 is related to the transfer fraud based on the information of the transfer destination and transfer amount designated by the customer and the transfer history of the customer's account recorded by the transfer recording means. Determine if it is likely. The transfer confirmation display means 14 displays a transfer confirmation screen on the display part 41 of ATM40 demonstrated below, for example.

  Further, the head office terminal or the branch terminal 30 (hereinafter referred to as the terminal 30) is provided with a display unit 31, and can display information relating to deposits and withdrawals and transfers of customers who have come to the counter.

  The ATM 40 includes a deposit / withdrawal processing unit (not shown), a transfer processing unit (not shown), a display unit 41, and the like, and processes cash acquisition and transfer by a customer who uses the ATM.

  The other financial institution systems 60 and 70 are provided with account DBs 65 and 75, respectively, and manage information related to the deposit accounts of customers of each financial institution.

  Hereinafter, the operation of the transfer fraud alert system 1 and the transfer fraud alert method according to an embodiment of the present invention will be described with reference to FIGS. In the following description, in order to make the description simple and easy to understand, the transfer fraud alerting system 1 is described as an integrated system, and the own financial institution network 20 between the server system 10, the terminal 30, and the ATM 40. The intervening communication via is not described unless specifically required.

  FIG. 2 is a flowchart illustrating a wire fraud alerting method according to an embodiment of the present invention. In step S100, the wire fraud alert system 1 accepts a processing request from a customer. This request includes a deposit request, a withdrawal request, a balance inquiry request, etc. in addition to a transfer request. This request reception is input by the customer who receives the request of the customer via the input unit (not shown) of the terminal 30 even if it is input by the customer via the input unit (not shown) of the ATM 40, for example. May be.

  In step S102, it is determined whether the request accepted in step S100 is a transfer request. If it is not a transfer request, the process proceeds to step S104, the received request content is processed as usual, and the process ends. On the other hand, if it is a transfer request, the process proceeds to step S106, and an alert flag is initialized. The alert flag is a flag placed in a part of an external storage device (not shown) such as a memory (not shown) or a hard disk included in the server system 10, for example, on the transfer confirmation screen. Indicates whether to display a reminder message.

  Next, in step S108, input of transfer information is accepted. The transfer information includes transfer source information, transfer destination information, a transfer amount, and the like. The transfer source information is information such as a deposit account in which money is to be transferred from the account, and is, for example, a branch name where the deposit account is located, an account type (such as a normal deposit or a current account), and an account number. The transfer amount is transferred from this transfer source account to the transfer destination account. The transfer destination information includes the name of the financial institution having the deposit account of the transfer destination, the branch name, the account type, the account number, and the like. The transfer amount is the amount that the customer is trying to transfer from the transfer source account to the transfer destination account. Based on the transfer source information entered by the customer, information such as the deposit balance is read from the customer's deposit account information stored in the account DB 15 connected to the server system 10, and the transfer amount designated by the customer Judge whether there is a deposit balance enough to transfer.

  Next, in step S110, the transfer record of the transfer source account is acquired from the transfer record DB 16. This transfer record is information recorded in the transfer record DB 16 by the transfer recording means 12 every time a transfer is made from the transfer source account. FIG. 3 shows an example of data stored in the transfer record DB 16. As shown in FIG. 3, in the transfer record DB 16, for example, the transfer date and time and transfer information are recorded for each account. The transfer information includes the bank name, branch name, account type, account number, and transfer of the transfer destination. Includes amount.

  In step S112, it is determined whether or not the transfer record stored in the transfer record DB 16 has the same transfer destination as the transfer destination information designated by the customer. If there is a record that the money has been transferred to the same money transfer destination, the process proceeds to the transfer confirmation and execution process in step S114 while the alert flag is initialized. Step S114 will be described in detail with reference to FIGS.

  This step S112 is based on the fact that it is considered that there is no high possibility of being used for a transfer fraud if the transfer destination has made a transfer in the past. However, since the person who plans the transfer fraud may trick the victim once in accordance with the transfer and make the transfer again, for example, within one hour or less based on the transfer date and time recorded in the transfer record DB 16 You may exclude the transfer place which transferred on the same day from the judgment object of whether there exists the same transfer place in step S112. In addition, it is judged that there is a high possibility that a plurality of transfers to the same bank transfer within a short period of time is a transfer related to a bank transfer fraud. A transfer fraud alert message may be displayed on the confirmation screen.

  In step S112, if there is no record that the transfer has been made to the same transfer destination, the process proceeds to step S116, where the safety factor is obtained from the safety factor DB 17, and the remainder when the transfer amount is divided by the safety factor is used as a fraction. FIG. 4 shows an example of data stored in the safety factor DB 17. In FIG. 4, since the safety factor is 10,000, the fraction obtained in step S116 is a fraction less than 10,000 yen.

  In step S118, it is determined whether or not the fraction obtained in step S116 is zero. If the fraction is not 0, the process proceeds to the transfer confirmation and execution process in step S114 while the alert flag is initialized.

  In this step S118, a person who plans a transfer fraud often transfers a perfect amount in units of 100,000 yen or 1 million yen, and when the transfer amount includes a fraction less than 10,000 yen, for example, It is based on the fact that it is not likely to be a transfer related fraud.

  If the fraction is 0 in step S118, the process proceeds to step S120, and the upper limit amount is acquired from the upper limit amount DB 18. FIG. 5 shows an example of data stored in the upper limit amount DB 18. In FIG. 5, the upper limit amount is 100,000 yen. Next, the process proceeds to step S122, and the transfer amount is compared with the upper limit amount acquired in step S120 to determine whether the transfer amount is larger than the upper limit amount. When it is not larger than the upper limit amount, the process proceeds to the transfer confirmation and execution process in step S114 while the alert flag is initialized. Step S114 will be described in detail with reference to FIGS.

  In this step S122, a person who plans a transfer fraud often transfers a large amount in order to trick a large amount of money at once, and if the transfer amount is smaller than the upper limit amount, the transfer is related to the transfer fraud. Based on not likely.

  If it is determined in step S122 that the transfer amount is larger than the upper limit amount acquired in step S120, the process proceeds to step S124, and the final record of the transfer source account in the transfer record DB 16 for each account (other than the transfer destination input in step S108). Transfer date and time). In step S126, the current date and time are acquired. This current date and time is acquired from, for example, a time measuring unit (not shown) that measures the current date and time provided in the server system 10. Next, in step S128, it is determined whether or not the transfer date and time of the final record of the transfer source account in the account transfer record DB 16 is within a predetermined time (for example, 5 minutes) from the current date and time. This predetermined time is a reference for determining whether or not a plurality of transfers is a continuous transfer performed in a series of operations. If it is within 5 minutes, the alert flag remains initialized, and the process proceeds to the transfer confirmation and execution process in step S114. Step S114 will be described in detail with reference to FIGS.

  This step S128 is considered to be a scheduled transfer when the transfer requested by the customer is a series of transfer processes and the transfer destinations are diverse, and there is a high possibility that it is due to a transfer fraud. Based on what is not considered. The feature of wire fraud is that the victim is in a mental state that the money must be transferred quickly, and attempts to make the transfer before contact with the spouse, child, grandchild, etc. Is. Therefore, it is considered that it is a sudden and urgent transfer for the victim, and is rarely performed together with other scheduled normal transfers.

  In step S128, if the transfer date and time of the final record of the transfer source account in the account-specific transfer record DB 16 is not within a predetermined time (in this case, 5 minutes) from the current date and time, the transfer is not a series of scheduled transfer processes. Therefore, the process proceeds to step S130 and a warning flag is set. And it progresses to step S114 and performs transfer confirmation and an implementation process.

  Hereinafter, the transfer confirmation and execution process of step S114 will be described with reference to FIGS. FIG. 6 is a flowchart showing a transfer confirmation and execution process according to an embodiment of the present invention. In step S200, the transfer fraud alert system 1 reads the alert flag, proceeds to step S202, and determines whether the read alert flag is set.

  If it is determined in step S202 that the alert flag has been set, the process proceeds to step S204, where the transfer confirmation display means 14 creates a transfer confirmation screen including a transfer fraud alert message and displays it on the display unit 41 of the ATM 40, for example. To do. FIG. 7 shows an example of a transfer confirmation screen including a transfer fraud alert message displayed by the transfer fraud alert system of FIG. The transfer confirmation screen 300 displays transfer destination information and the transfer amount. The transfer destination information includes the financial institution name, branch name, account type, and account number of the transfer destination. The transfer confirmation screen 300 further includes a transfer fraud caution message 301 that urges attention whether the transfer to be executed is related to a transfer fraud and asks for confirmation. By displaying this wire fraud alert message 301, it is possible to alert the customer who is going to execute the wire transfer fraud to not be damaged.

  Progressing to step S206 following step S204, a processing instruction such as “execution” or “cancel” input by the customer via the transfer confirmation screen is received. This processing instruction is input by, for example, an “execute” button or “cancel” button on the transfer confirmation screen 300 (FIG. 7) by the customer via a touch screen (not shown) incorporated in the display unit 41 of the ATM 40. It is input by selecting.

  Next, in step S208, it is determined whether or not the processing instruction is “execute”. If it is not “execution”, the transfer process is not executed, and the transfer confirmation and execution process in step S114 is terminated.

  If the processing instruction is “execute” in step S208, the transfer unit 11 of the server system 10 performs the transfer process, and the transfer recording unit 12 additionally records the transfer information in the transfer record DB 16 as a record of the transfer source account.

  If it is determined in step S202 that the alert flag is not raised, the process proceeds to step S212, and the transfer confirmation screen 300 (FIG. 7) is displayed on the display unit 41 of the ATM 40. The alert message 301 is not displayed. In this way, if the transfer that the customer is trying to carry out is not likely to be related to a transfer fraud, the transfer fraud warning message 301 is not displayed on the transfer confirmation screen 300, so the customer cannot use the transfer fraud. When the alert message 301 is displayed, greater attention is paid to the alert message, and the transfer fraud prevention effect of the alert message 301 can be enhanced. Progressing to step S206 following step S212. Step S206 and subsequent steps are as described above.

  In the description of the above embodiment, it is assumed that the customer makes a transfer from a deposit account at the own financial institution to a deposit account at another financial institution, but the deposit account or transfer source at another branch of the own financial institution. The same applies when making a transfer to a deposit account in the same branch as the account.

  The explanation has been made on the assumption that the customer makes a transfer request using the ATM connected to the network 20 of the own financial institution, but the transfer is made with the deposit account of the own financial institution via the ATM of the other financial institution. The present invention is also applicable when making a request. Further, the present invention is also applicable when a transfer request is made to the server system 10 using an information terminal such as a PC or PDA via a network such as the Internet instead of ATM.

  In FIG. 1, the transfer unit 11, the transfer recording unit 12, the transfer fraud possibility determination unit 13, and the transfer confirmation display unit 14 have been described on the assumption that they are included in the server system 10, but are distributed to a plurality of server systems. May be. In addition, although it is assumed that the account DB 15, the transfer record DB 16, the security factor DB 17, and the upper limit DB 18 are also directly connected to the server system 10, they may be connected to a plurality of server systems in a distributed manner. It may be configured as part of the system.

  The alert message 301 for the transfer fraud has been described on the assumption that the message is displayed on the display unit 41 of the ATM 40 used by the customer. However, the customer makes a transfer request to the counter staff at the sales office or the like. In such a case, the information may be displayed on the display unit 31 of the terminal 30 used by the window staff who receives the instruction and performs the transfer process.

  FIG. 2 is a flowchart showing a method for alerting a fraud scam according to one embodiment. In the flowchart, it is determined whether there is a transfer record identical to the transfer destination information (steps S110 and S112), and whether a fraction is 0 ( Steps S116 and S118), determination of whether or not the transfer amount is within the upper limit amount (Steps S120 and S122), determination of whether or not the latest transfer date and time to another transfer destination account is within 5 minutes from the current date and time (Step S124, The order of S126 and S128) does not necessarily have to be as illustrated, and does not necessarily include all judgments.

  In the transfer confirmation and execution process flowchart shown in FIG. 6, after displaying the transfer confirmation screen including a warning message for the transfer fraud in step S204, in step S206, input the processing instruction of “execute” or “cancel”. Although accepted, after step S204 and before step S206, a step for requesting an input confirming the transfer fraud warning message may be added to make the warning message more effective. Is possible.

Regarding the present disclosure, the following supplementary notes are attached.
(Appendix 1)
It is a wire fraud alerting method,
A transfer information reception stage for receiving a transfer destination and a transfer amount in response to a transfer request;
Transfer to determine whether or not the transfer based on the transfer request is likely related to a transfer fraud based on the transfer destination received in the transfer information reception stage, the transfer amount, and the transfer history of the transfer source A fraud possibility determination stage,
A wire fraud alert message output stage for outputting a wire fraud alert message,
In the transfer fraud possibility determination stage, even if the transfer to the transfer destination is the first transfer, and when the transfer amount includes a predetermined fraction, the transfer request is related to the transfer request related to the transfer request made earlier If the transfer destination is different from that, it is determined that the transfer is not likely to be related to a transfer fraud, and the transfer fraud alert message is output at the transfer fraud alert message output stage. A method characterized by not.
(Appendix 2)
The method according to appendix 1, wherein
If the transfer amount is less than a predetermined amount, it is determined that the transfer is not likely to be related to a transfer fraud, and the transfer fraud alert message is not output.
(Appendix 3)
The method according to appendix 1 or 2, wherein
If the transfer request specifies a transfer destination different from the transfer destination related to the continuous transfer request made earlier, it is determined that the transfer is not likely to be related to a transfer fraud, and the transfer is made. A method characterized by not outputting a fraud alert message.
(Appendix 4)
The method according to any one of appendices 1 to 3,
The method of displaying the said transfer fraud alert message on the display part of ATM which the customer who made the said transfer request uses.
(Appendix 5)
The method according to any one of appendices 1 to 3,
A method comprising: displaying the transfer fraud warning message on a display unit of a terminal used by a window attendant who handles a customer who has made a transfer request.
(Appendix 6)
The method according to any one of appendices 1 to 3,
A method of displaying the transfer fraud warning message on a display unit of an information terminal used by a customer who makes a transfer request via a network.
(Appendix 7)
The method according to any one of appendices 1 to 6,
Even if the transfer to the designated transfer destination is not the first transfer, if the previous transfer to the same transfer destination has been executed within the specified period, the transfer may be related to a transfer fraud A method of determining that the payment is high and outputting the transfer fraud alert message.
(Appendix 8)
The method according to any one of appendices 1 to 7,
A method of executing a transfer process after confirming from the customer that the transfer is not related to a transfer fraud with respect to the transfer fraud alert message.
(Appendix 9)
A device that alerts you to pay attention to wire fraud,
A transfer means to transfer the specified transfer amount to the specified transfer destination,
A transfer recording means for recording a transfer history by the transfer means;
Transfer fraud possibility determination means for determining whether or not the transfer is likely to be related to a transfer fraud based on the information of the designated transfer destination and transfer amount and the transfer history recorded by the transfer recording means. When,
A transfer confirmation display means for displaying a transfer confirmation screen including a transfer fraud warning message,
Even if the transfer to the specified transfer destination is the first transfer, if the specified transfer amount includes a predetermined fraction, the transfer request is different from the transfer destination related to the transfer request made earlier If the destination is designated, the transfer fraud possibility determination means determines that the transfer is not likely to be related to the transfer fraud, and the transfer confirmation display means displays the transfer fraud warning message. Is not output.
(Appendix 10)
A wire fraud alert system,
A server system;
An ATM connected to the server system via a network;
The server system is
A transfer means for transferring the specified transfer amount to the transfer destination specified via the ATM;
A transfer recording means for recording a transfer history by the transfer means;
Transfer fraud possibility determination means for determining whether or not the transfer is likely to be related to a transfer fraud based on the information of the designated transfer destination and transfer amount and the transfer history recorded by the transfer recording means. When,
A transfer confirmation display means for displaying a transfer confirmation screen including a transfer fraud alert message on the display part of the ATM;
Even if the transfer to the specified transfer destination is the first transfer, if the specified transfer amount includes a predetermined fraction, the transfer request is different from the transfer destination related to the transfer request made earlier If the destination is designated, the transfer fraud possibility determination means determines that the transfer is not likely to be related to the transfer fraud, and the transfer confirmation display means displays the transfer fraud warning message. A system characterized by not displaying.
(Appendix 11)
The transfer fraud alert system described in Appendix 10,
Further having a headquarters terminal or a branch terminal connected to the server system via a network;
The transfer confirmation display means displays a transfer confirmation screen including a transfer fraud alert message on a display unit of the headquarters system terminal or the branch office terminal.
(Appendix 12)
This is a wire fraud alert program,
A transfer information reception stage for receiving a transfer destination and a transfer amount designated according to the transfer request;
Based on the accepted transfer destination, transfer amount, and recorded transfer history, it is determined whether or not the transfer is likely to be related to a transfer fraud;
A transfer confirmation display stage that displays a transfer confirmation screen including a transfer fraud warning message,
Even if the transfer to the specified transfer destination is the first transfer, if the specified transfer amount includes a predetermined fraction, the transfer request is different from the transfer destination related to the transfer request made earlier If the destination is designated, the program judges that the transfer is not likely to be related to a transfer fraud and does not display the transfer fraud alert message.

1 is a diagram illustrating a network including a transfer fraud alert system according to an embodiment of the present invention. 3 is a flowchart illustrating a method of calling for transfer fraud according to an embodiment of the present invention. It is a figure which shows an example of the transfer recording database classified by account. It is a figure which shows an example of a relief coefficient database. It is a figure which shows an example of an upper limit money amount database. It is a flowchart which shows the transfer confirmation and implementation process by one Embodiment of this invention. It is a figure which shows an example of the transfer confirmation screen containing the transfer fraud alert message displayed by the transfer fraud alert system of FIG.

Explanation of symbols

DESCRIPTION OF SYMBOLS 1 Transfer fraud alerting system 10 Server system 11 Transfer means 12 Transfer recording means 13 Transfer fraud possibility judgment means 14 Transfer confirmation display means 15, 65, 75 Account database 16 Transfer record database 17 Reliable coefficient database 18 Upper limit amount database 20 Own finance Institutional network 30 Head office terminal or branch terminal 40 ATM
50 Financial settlement network 60 Other financial institution system 70 Own financial institution system

Claims (2)

A method for suppressing the transfer fraud alert message,
Computer
Once we receive the transfer request and information identifying the transfer source and transfer destination,
Referring to the transfer record database that records the transfer destination and transfer date and time from the accepted transfer source, obtain the final transfer date and time other than the received transfer destination,
Judge whether the accepted transfer request is within a predetermined time from the last transfer date and time to other than the accepted transfer destination,
When it is determined that the transfer is not within the specified time from the final transfer date and time to a bank other than the accepted transfer destination, it is transferred to the process of displaying a transfer fraud alert message, and when it is determined that the transfer is within the specified time Instruct to make a transition to a process that does not display a fraud alert message
A method for suppressing the display of a transfer fraud alert message characterized by that. A device for suppressing display of a fraud warning message,
An accepting unit that accepts information specifying a transfer request, a transfer source, and a transfer destination;
A transfer record database that records the transfer destination and transfer date and time from the accepted transfer source,
With reference to the transfer record database, an acquisition unit for acquiring a final transfer date and time other than the transfer destination received by the reception unit;
A determination unit that determines whether or not the transfer request received by the reception unit is within a predetermined time from the final transfer date and time other than the transfer destination received by the acquisition unit;
When the determination unit determines that the transfer is not within the predetermined time from the final transfer date and time other than the transfer destination, to the process of displaying a transfer fraud alert message, the determination unit is the transfer within the predetermined time A display instruction unit for instructing a transition to a process that does not display a transfer fraud warning message if it is determined;
A device for suppressing display of a fraud alert message, characterized by comprising:

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